When you are paying for the damages- it becomes more scary lol. I paid 6k out of pocket last time. Insurance does not cover everything- and even then they covered a significant amount.
Arkansas- along OK border. Nope. Nope. Nope. I am hoping after my cruise next year that I can start saving for a storm shelter or basement to be installed. Currently we have none
I'm right in tornado alley and have dealt with tornados they really don't scare me that much the scariest one I've been in was the Joplin tornado when I was 11